WO2008032005A3 - Procédé et systèmes de paiement - Google Patents
Procédé et systèmes de paiement Download PDFInfo
- Publication number
- WO2008032005A3 WO2008032005A3 PCT/FR2007/051953 FR2007051953W WO2008032005A3 WO 2008032005 A3 WO2008032005 A3 WO 2008032005A3 FR 2007051953 W FR2007051953 W FR 2007051953W WO 2008032005 A3 WO2008032005 A3 WO 2008032005A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- payment
- data
- financing
- purchase
- sources
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0215—Including financial accounts
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Marketing (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
L'invention est relative à un procédé de paiement par un porteur à un marchand grâce à un moyen de paiement, caractérisé en ce qu'il est procédé par imputations successives, pour chaque produit, bien ou service présenté à l'achat, une imputation s'opérant entre plusieurs sources de financement, et consistant en un débit sur l'une des sources de financement ou un transfert depuis l'une de ces sources de financement; et en ce que, à chaque imputation, sont lues des données stockées dans le moyen de paiement et/ou dans des bases de données d'un serveur de paiement, ces données étant accessibles par liaison à un système central ou sur une réplication locale, lesdites données étant utilisées par le serveur de paiement pour sélectionner puis confronter des règles d'imputation et de contrôle, définies, pour chaque source de financement, par le porteur du moyen de paiement ou par le financeur à des données fonction des caractéristiques : • du bien, du produit ou du service présenté à l'achat • des conditions de l'achat, comprenant par exemple la date, des vérifications matérielles opérées au moment de l'achat, des options choisies par l'acheteur ainsi qu'à des données issues d'une base de données relatives aux marchands et à des catégories de produits, biens ou services.
Priority Applications (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US12/441,453 US20110035268A1 (en) | 2006-09-15 | 2007-09-17 | Payment method and system |
EP07848326A EP2074569A2 (fr) | 2006-09-15 | 2007-09-17 | Procédé et systèmes de paiement |
US15/859,254 US20180300707A1 (en) | 2006-09-15 | 2017-12-29 | Payment method and systems |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US84494706P | 2006-09-15 | 2006-09-15 | |
US60/844,947 | 2006-09-15 |
Related Child Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/441,453 A-371-Of-International US20110035268A1 (en) | 2006-09-15 | 2007-09-17 | Payment method and system |
US15/859,254 Continuation-In-Part US20180300707A1 (en) | 2006-09-15 | 2017-12-29 | Payment method and systems |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2008032005A2 WO2008032005A2 (fr) | 2008-03-20 |
WO2008032005A3 true WO2008032005A3 (fr) | 2008-06-12 |
Family
ID=39135142
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/FR2007/051953 WO2008032005A2 (fr) | 2006-09-15 | 2007-09-17 | Procédé et systèmes de paiement |
Country Status (3)
Country | Link |
---|---|
US (1) | US20110035268A1 (fr) |
EP (1) | EP2074569A2 (fr) |
WO (1) | WO2008032005A2 (fr) |
Families Citing this family (22)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7333955B2 (en) | 2001-09-24 | 2008-02-19 | E2Interactive, Inc. | System and method for securing communication service |
US20090182586A1 (en) * | 2008-01-10 | 2009-07-16 | Cohane Joseph P | Point-of-sale, value-added payment processing system and method thereof |
US10255609B2 (en) * | 2008-02-21 | 2019-04-09 | Micronotes, Inc. | Interactive marketing system |
EP2151794A1 (fr) * | 2008-07-28 | 2010-02-10 | Norpla - Card Systems Management GmbH | Procédé d'exécution d'un paiement électronique |
JPWO2011148875A1 (ja) * | 2010-05-25 | 2013-07-25 | 日本電気株式会社 | 複数の決済手段を使ったマルチ決済実現方法、マルチ決済実現装置及びマルチ決済実現プログラム |
US20130060681A1 (en) * | 2010-05-25 | 2013-03-07 | Nec Soft, Ltd. | Settlement and remittance-processing method of virtual money, settlement and remittance-processing system, and settlement and remittance-processing program |
US8442913B2 (en) * | 2010-06-29 | 2013-05-14 | Visa International Service Association | Evolving payment device |
US11978031B2 (en) | 2010-12-14 | 2024-05-07 | E2Interactive, Inc. | Systems and methods that create a pseudo prescription from transaction data generated during a point of sale purchase at a front of a store |
US11055686B2 (en) | 2012-08-08 | 2021-07-06 | E2Interactive, Inc. | S/M for providing, reloading, and redeeming stored value cards used in transit applications |
US9569769B2 (en) | 2012-09-17 | 2017-02-14 | E2Interactive, Inc. | Composite activation indicia substrate |
US11120462B2 (en) | 2013-11-04 | 2021-09-14 | E2Interactive, Inc. | Systems and methods for using indicia of membership as a partial authorization in a transaction |
US10062075B2 (en) * | 2013-11-04 | 2018-08-28 | E2Interactive, Inc. | Systems and methods for using a dual function medical benefits card |
US20150127500A1 (en) * | 2013-11-05 | 2015-05-07 | Bank Of America Corporation | Determining financial account payment hierarchy for recovery of payment in arrears |
US9088654B2 (en) * | 2013-11-05 | 2015-07-21 | Bank Of America Corporation | Communication disposition determination for unified recovery system for payments in arrears |
US8971516B1 (en) * | 2013-11-05 | 2015-03-03 | Bank Of America Corporation | Unified recovery system communication history tracking for payments in arrears |
FR3019356B1 (fr) * | 2014-03-25 | 2016-04-15 | David Haddad | Procede et systeme de paiement divise d'un produit ou service |
EP3164837A1 (fr) * | 2014-07-01 | 2017-05-10 | Francesco Ricci | Système de paiement électronique et procédé associé |
US10621664B2 (en) | 2016-05-18 | 2020-04-14 | Fannie Mae | Using automated data validation in loan origination to evaluate credit worthiness and data reliability |
US20190114602A1 (en) * | 2017-10-16 | 2019-04-18 | Modopayments, Llc | Configuration Tool for Payment Processing |
FR3081076B1 (fr) * | 2018-05-14 | 2023-12-08 | Ingenico Group | Procede de gestion d'au moins un remboursement d'une prestation de sante, dispositif et programme d'ordinateur correspondants |
JP2025513661A (ja) * | 2022-04-14 | 2025-04-30 | ビザ インターナショナル サービス アソシエーション | 柔軟な取引メッセージルーティングのためのシステム、方法、およびコンピュータープログラム製品 |
FR3145435A1 (fr) * | 2023-02-01 | 2024-08-02 | Frederic Guy | détermination et filtrage de transactions monétaires multicritères, configurable par un porteur de moyen de paiement en temps réel. |
Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP1170685A2 (fr) * | 2000-06-29 | 2002-01-09 | Hitachi, Ltd. | Carte de crédit associée, ainsi système et méthode de règlement par carte de crédit |
US20020095386A1 (en) * | 2000-12-07 | 2002-07-18 | Maritzen L. Michael | Account control and access management of sub-accounts from master account |
US20030028492A1 (en) * | 2001-08-03 | 2003-02-06 | Jay Levenson | System and method for the payment and accounting of petty disbursements |
EP1450320A1 (fr) * | 2003-02-21 | 2004-08-25 | Swisscom Mobile AG | Module de paiement avec plusieurs comptes bancaires, système de paiement et méthode de paiement |
US20050137949A1 (en) * | 2003-12-17 | 2005-06-23 | Danny Rittman | Automatic, characterized and prioritized transactions to credit card accounts from one credit card account, method and computer software |
US20070164098A1 (en) * | 2004-12-28 | 2007-07-19 | ATM Khalid | Staging of Financial Accounts: The Ultimate Charge Account and Ultimate Credit/ATM Card |
Family Cites Families (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6084528A (en) * | 1996-09-05 | 2000-07-04 | Symbol Technologies, Inc. | Intranet scanning terminal system |
US6868391B1 (en) * | 1997-04-15 | 2005-03-15 | Telefonaktiebolaget Lm Ericsson (Publ) | Tele/datacommunications payment method and apparatus |
US6343739B1 (en) * | 1999-11-02 | 2002-02-05 | Ncr Corporation | Apparatus and method for operating a checkout system having a video camera for enhancing security during operation thereof |
US20010042021A1 (en) * | 1999-12-06 | 2001-11-15 | Taiichi Matsuo | Electronic settling system and electronic settling method |
US20060178986A1 (en) * | 2000-02-17 | 2006-08-10 | Giordano Joseph A | System and method for processing financial transactions using multi-payment preferences |
US6805288B2 (en) * | 2000-05-15 | 2004-10-19 | Larry Routhenstein | Method for generating customer secure card numbers subject to use restrictions by an electronic card |
CA2332656A1 (fr) * | 2001-01-26 | 2002-07-26 | Certapay Inc. | Transfert de paiements en ligne, et systeme et methode de gestion d'identites |
US7280981B2 (en) * | 2002-08-27 | 2007-10-09 | Visa U.S.A. Inc. | Method and system for facilitating payment transactions using access devices |
-
2007
- 2007-09-17 US US12/441,453 patent/US20110035268A1/en not_active Abandoned
- 2007-09-17 EP EP07848326A patent/EP2074569A2/fr not_active Ceased
- 2007-09-17 WO PCT/FR2007/051953 patent/WO2008032005A2/fr active Application Filing
Patent Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP1170685A2 (fr) * | 2000-06-29 | 2002-01-09 | Hitachi, Ltd. | Carte de crédit associée, ainsi système et méthode de règlement par carte de crédit |
US20020095386A1 (en) * | 2000-12-07 | 2002-07-18 | Maritzen L. Michael | Account control and access management of sub-accounts from master account |
US20030028492A1 (en) * | 2001-08-03 | 2003-02-06 | Jay Levenson | System and method for the payment and accounting of petty disbursements |
EP1450320A1 (fr) * | 2003-02-21 | 2004-08-25 | Swisscom Mobile AG | Module de paiement avec plusieurs comptes bancaires, système de paiement et méthode de paiement |
US20050137949A1 (en) * | 2003-12-17 | 2005-06-23 | Danny Rittman | Automatic, characterized and prioritized transactions to credit card accounts from one credit card account, method and computer software |
US20070164098A1 (en) * | 2004-12-28 | 2007-07-19 | ATM Khalid | Staging of Financial Accounts: The Ultimate Charge Account and Ultimate Credit/ATM Card |
Non-Patent Citations (1)
Title |
---|
See also references of EP2074569A2 * |
Also Published As
Publication number | Publication date |
---|---|
US20110035268A1 (en) | 2011-02-10 |
WO2008032005A2 (fr) | 2008-03-20 |
EP2074569A2 (fr) | 2009-07-01 |
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